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Pekin and Grange are among the best auto insurance companies in Fort Wayne, Indiana, according to extensive research by Bankrate. The average cost of auto insurance in Fort Wayne is $ 399 per year for minimum coverage and $ 1,203 per year for full coverage. Most households in Summit City have on average two vehicles, auto insurance is therefore a must for many people.

Finding the best and cheapest auto insurance in Fort Wayne starts with choosing the right insurer for your needs. To help you with the process, Bankrate looked at the city’s largest carriers by market share and compared average premiums, coverages, discounts, and third-party ratings. Our analysis could help you find a company that offers the coverage you need at a competitive price.

Best Auto Insurance Companies in Fort Wayne

Beijing, Grange, USAA and Westfield offer some of the best cheap auto insurance in Fort Wayne. The average premiums of these carriers are lower than the city average. But when it comes to auto insurance, Fort Wayne residents may want to consider more than the price.

In addition to the award, Bankrate’s insurance editorial team also reviewed the JD Power Customer Satisfaction Survey and the National Association of Insurance Commissioners (NAIC) Customer Complaints Database for insight carriers that offer exemplary customer service and a hassle-free claims experience. . The coverages, discounts and features of the available policies have also been taken into account.

If you are looking for the best auto insurance in Fort Wayne, you may want to get quotes from these carriers:

Insurance company JD Power Score
(Center-North region)
Average annual premium for minimum coverage Average annual premium for full coverage
Beijing Unclassified $ 238 $ 637
barn 826/1000 $ 258 $ 822
United States of America* 895/1000 $ 280 $ 834
Westfield Unclassified $ 294 $ 1,103

* Not officially ranked by JD Power due to eligibility restrictions

Beijing

Beijing offers the cheapest auto insurance in Fort Wayne for minimal and comprehensive coverage, based on our analysis. Low average premiums could be partly due to Beijing’s generosity auto insurance discounts, including multi-car, home and auto groupage, anti-theft equipment and anticipated emissions savings. You may be able to use a portion of the savings to improve your coverage by adding roadside assistance, rental car reimbursement, or loan / lease gap coverage.

barn

Barn offers Fort Wayne residents plenty of options to customize their coverage with endorsements such as pet and mobile device injury coverage, full glass repair, and original equipment manufacturer (OEM) coverage. You may want to consider signing up for OnTrack, which monitors your driving habits through a mobile app and could reward you with discounts on your vehicle insurance premium for safer driving.

Learn more: Grange Assurance magazine

United States

USAA might be a great choice for Hoosiers looking for great customer service. Members enjoy exclusive access to the carrier’s value-added coverage for vehicles, home and renters. The major downside to the USAA is the limited number of Fort Wayne car owners who may be eligible for membership. You will need to be a veteran, active duty member, or close family member to register.

Learn more: USAA Insurance Review

Westfield

Westfield’s full coverage might be the most expensive on our list, but you can always consider a quote. The company offers basic auto insurance policies, but for stronger coverage you may want to get a quote for Westfield’s Wespak auto insurance policy. Several elements are grouped together to provide a comprehensive auto insurance policy, including travel protection coverage, gap insurance coverage, and replacement cost coverage.

Learn more: Westfield Insurance Review

The cheapest auto insurance in Fort Wayne

Fort Wayne’s average auto insurance rates are lower than the state average and the national average. Summit City residents pay just $ 399 per year for minimum coverage and $ 1,203 per year for full coverage. For comparison, the average cost of auto insurance in Indiana is $ 367 per year for minimum coverage and $ 1,254 per year for full coverage. These premiums are well below the national average annual cost of auto insurance, which is $ 1,674 for full coverage and $ 565 for minimum coverage.

And depending on which carrier you choose, you might find even lower rates. These carriers are some of the cheapest in town, according to our research:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
United States $ 280 $ 834
At national scale $ 315 $ 954
Car owners $ 319 $ 1,043
Geico $ 321 $ 1,121
Erie $ 332 $ 985

USAA may be the cheapest carrier, but is only available to people affiliated with the military or direct family of a military member. Nationwide and Geico may be more widely recognized names in the insurance industry, but Auto-Owners and Erie are regional carriers that offer solid coverage options at competitive prices.

When purchasing auto insurance, residents of Fort Wayne may wish to obtain quotes from multiple carriers to compare premiums, coverage, and discounts. And keep in mind that your rates vary depending on your personal situation. You can pay more or less than the average.

Insurance Requirements in Fort Wayne

The state of Indiana requires that all drivers wear a minimum amount civil liability cover:

  • $ 25,000 civil liability for bodily injury per person
  • Civil liability of $ 50,000 per accident
  • $ 25,000 liability for property damage per accident

Insurance companies should also offer you coverage for uninsured motorists and underinsured motorists, although you have the option to decline these coverages in writing. And while you can satisfy Indiana financial liability law by providing a bond, deposit, or self-insurance certificate, most drivers are likely to choose to purchase an auto insurance policy.

Minimum coverage will provide the limits required to drive legally, but most insurance professionals recommend that you purchase higher liability limits if you can afford it. In addition, the minimum coverage does not cover damage to your vehicle. For this, you need comprehensive coverage, which adds both comprehensive and collision. You will likely need to purchase comprehensive coverage if you have a loan or lease for your vehicle.

Auto Insurance Discounts in Fort Wayne

Fort Wayne residents already pay low average rates for auto insurance, but there are other ways to save. Many insurers have a list of discounts available to policyholders, such as:

  • Multiline / grouping: Bundling your coverage – which simply means buying your home, tenant, or condo insurance from the same company as your auto insurance – could save you money on all of your policies.
  • Safe driver: A clean driving record can help you avoid surcharges in the event of an accident or traffic ticket, and may also qualify you for a reduction.
  • Good student: If you are a full-time student under 25 who has a B average or better, or if you insure a student who meets these criteria, you could get a good student discount.
  • Multi-vehicle: Insuring all of your domestic vehicles with the same company often saves you money with a multi-car discount.

Discounts vary from company to company. Therefore, talking to a licensed agent is often the best way to identify savings opportunities.

Frequently Asked Questions

What is the best auto insurance company in Fort Wayne?

The best auto insurance company in Fort Wayne will be different for every driver. While Beijing, Grange, USAA, and Westfield are some of the top companies in our analysis, the best company for you might be different. Understanding your needs and obtaining quotes from multiple companies can be a good way to find the right carrier for your situation.

How much does car insurance cost in Fort Wayne?

The average cost of auto insurance in Fort Wayne is $ 399 per year for minimum coverage and $ 1,203 per year for full coverage. But keep in mind that insurance prices are personalized. Your rates can be higher or lower depending on factors such as your driving history, the type of car you drive and the coverages you choose.

What if i don’t have auto insurance in Fort Wayne?

Auto insurance is legally required if you own a vehicle in Indiana, unless you follow state financial responsibility law with a bond, deposit, or certificate of self-insurance. Driving without insurance in Indiana can result in fines and license suspension. If you cause an accident without insurance, you will be responsible for paying for the damages and injuries you cause out of pocket.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.

These are sample rates and should be used for comparison purposes only. Your quotes may be different.

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